The Property Couch

We’ve all made mistakes in life. Some are relatively harmless but when it comes to high-value transactions such as investing in property, the stakes are higher. So this time on The Property Couch podcast, Bryce Holdaway and Ben Kingsley list out a few common mistakes that they’ve seen people make in their investment journey.

The first mistake is underestimating the importance of having a good lending strategy and structure. One investment property will not be sufficient to provide you with a self-funded retirement so in time, you will need to buy another one and if you messed up your lending structure from the start, you might not be able to achieve your full potential in your portfolio. One of the common regrets that Bryce and Ben have heard before is the investor’s drive to look for lenders that offer them the least interest payable has clouded their decision for better borrowing power and eventually, a better asset.

Listen to this podcast to find out the other four mistakes that a property investor often makes.

Free Resources mentioned in this podcast:

• Ben’s short presentation: Fear/Procrastination vs. Greed – The Balancing Act
• Money Magazine article: Earn $55k a year in rental income

If you like this podcast: “Common Mistakes When Investing in Property”, don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/.

LISTEN TO THE FIRST 20 EPISODES HERE >>

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👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
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LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
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With dwelling approvals remaining close to record high levels and the latest housing credit data suggesting a slowing investment credit growth, will this lead to an oversupply in the Australian property market? On top of that, how is the lending sector affected by the recent changes put in place by Australian Prudential Regulation Authority (APRA)? All these factors are a cause for concern for most property investors especially when there is a lack of awareness in this industry.

So in this episode, Bryce Holdaway and Ben Kingsley will be discussing if our property market is oversupplied and which areas will be affected by this market movement. They will also be discussing the recent changes made by APRA, how will it impact property investors and what can investors do to ensure their property plan remains on track.

Other episodes mentioned in this podcast:

• Four Pillars of Mastery series
• Ep. 016 – 5 Essential Steps to Property Investing in Australia
• Ep. 017 – Who’s your Personal Banker?

If you like this podcast: “Is the Property Market Oversupplied & What’s Happening in the Lending Sector?”, don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/.

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

Not every state in Australia has an auction culture but we are seeing an increasing trend in it. In their everyday role as Buyers' Agent and Property Investment Advisors, Bryce Holdaway and Ben Kingsley have seen many buyers who are either too afraid of the auction campaign or unsure of what to do in the process. Well, as Bryce mentioned in this podcast, an auction is a necessary evil. It favours the seller and the agent. But ultimately, as a buyer, you shouldn’t be afraid of it. Do your due diligence and embrace it with confidence but never turn down an investment-grade property simply because it’s going to auction.

So to help you guys out there who are currently searching for properties or are going for an auction this weekend, here are some tips for buying at auction from the property experts that can help you prepare for what is to come.

Free Resources mentioned in this podcast:

• Value Series: Auction Tips (Part 1)
• Value Series: Auction Tips (Part 2)
• Value Series: Auction Tips (Part 3)
• Value Series: Auction Tips (Part 4)

If you like this podcast: “Tips for Buying at Auction in Australia”, don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/.

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

We have been receiving a lot of great suggestions and questions from our listeners! If you have submitted a question on property investing in Australia and have yet to hear a response from us, don’t worry. We will get to you as soon as we can. In this week’s podcast, Bryce Holdaway and Ben Kingsley will be addressing some topics:

• Property in Trust from Christ: Can you address investing in trusts? In particular, purchasing property through trust and transferring currently owned investment properties into a family trust
• Tax benefits in renovating established properties from Christian: One of the topics that got me interested was Tax Depreciation. I already have a depreciation schedule, but the one thing that plays on my mind – is whether it is worth renovating an established property? Is there a rule of thumb that I should use to determine whether my investment property needs to undergo renovation? Is there a golden rule to this on when is the best time?
• Gentrification questions from Andy: What are gentrification and its signs? Does this take a long time to happen? What are the positives and negatives of buying in a suburb that hasn’t had it or is in the process of having a face lift/demographic change? 
• Investing in Regional Centre from Lewis: Can you offer any advice regarding property investment in a regional centre? Often there are a lot of stones unturned in these markets. I am based 30km from the coast in Central Queensland and medium/high-density development is a relatively new concept to most buyers in this area. However, recently completed projects have shown a real interest in this type of offering versus detached dwellings and I am wondering how to interpret this.

For access to The Property Couch’s media kit, please email us here: [email protected].

If you like this Q&A episode, don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our Facebook page. Any questions or ideas? Feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/.

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

It's Questions and Answers time! Thanks for all the suggestions on new topics to cover in this podcast. For today’s episode, Bryce Holdaway and Ben Kingsley will be addressing questions from:

• High Loan to Value Ratio (LVR) question from Andy: As a relatively new investor, would you recommend gearing as many of my initial purchases at 90-95% LVR as possible to help get ahead early on and do you foresee a lot of the banks starting to restrict this type of lending going forward with the interest rates currently so low. If you do recommend it, how do we best manage the risk for the first few years until the properties grow and loans come down to the 80% mark? 
• Capital Gain Tax (CGT) question from Paul: It would be great if an episode could cover “capital gain tax“. I have recently had to sell an investment property due to lifestyle decisions but didn’t incur any charges as it was my first place. In future, if I have to sell to upgrade to a bigger investment It would be great to know the CGT laws in each state.
• Cross Collateralization from Andrew: In recent Episode 20 you touched on cross collateralisation and while it is not the best option, I  was wondering if you could expand on where you might need to use it, why you would use it, what extent would you use it and how would you un-cross collateralise your portfolio?
• SMSF and Property from Billy: I’m interested in using a Self Managed Super Fund to invest my super in property. I’d like to hear your opinions on this subject. Would you recommend SMSF Property or not?

For access to The Property Couch’s media kit, please email us here: [email protected].

If you like this Q&A episode, don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our Facebook page. Any questions or ideas? Feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/.


LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

Drawing from Stephen Covey’s book and as promised in the previous episode (Exit Strategy in Property Investment), this week our hosts talk about the Seven Habits of Highly Effective Property Investors. Some of our listeners have asked us before about having the right mindset when investing in property and this episode sort of ties in with that. Bryce and Ben list out the seven habits that Dr. Covey talks about and explain how we can use them in property investment.

The first habit is to be proactive. As Bryce mentioned in the podcast, you won’t achieve Financial Freedom unless you take a step forward to make it happen. It is not going to happen by osmosis or by default. You need to get off your chair, overcome some conditioning and take action. Bryce and Ben will also be sharing some of the stories from their own personal journey as an investor and an advisor. Listen to the podcast to find out more.

Free Resources mentioned in this podcast:

• Bryce’s appearance on The Today Show – Hot Property
• Ben’s appearance on ABC News 24 – Australia’s Housing Boom

If you like this podcast: “Seven Habits of Highly Effective Property Investors”, don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/.

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

This week on The Property Couch podcast, Bryce and Ben talk about planning ahead and having an Exit Strategy when investing in property. As Stephen Covey once said, “Begin with the End in Mind”. We think this concept can be applied to property investors as well. Now, there are a few exit strategies out there and as we’ve always emphasized, each household is unique and hence each investor’s exit strategy would be different. But generally, there are two main categories; either you buy and sell or you buy and hold. Under these categories, there are sub-categories and different scenarios where it’ll suit you better. Bryce and Ben will be discussing these exit strategies today so make sure you tune in!

Also, the Money Magazine Cover Story that we have been talking about is out. Grab one off the Newsstand today and let us know what you think!

If you like this podcast: “Exit Strategy in Property Investment”, don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/.


LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

It's Questions and Answers time! Thanks for all the suggestions on new topics to cover in this podcast. For today’s episode, Bryce Holdaway and Ben Kingsley will be addressing questions from:

• Building and Pest Inspection question from Mark: How do I find a good quality building and pest inspector with the property market being so hot with auctions at the moment, how do I ensure I don’t burn through my deposit money when constantly missing out on auctions?  I could end up wasting thousands on inspections until I actually win at auction! Should I try doing it myself and find a friend or family member with some building knowledge or use one of the smartphone apps?
• Rentvesting question from Ryan: What are your thoughts on the property investor or herself buying and living in their own PPR or renting? Obviously, both have advantages, a place to call home or the ability to keep investing without losing potential borrowing capacity.
• Next Wage Growth Hotspot from David: As mentioned on previous podcasts, investors will want to avoid “glass ceilings” in terms of capped wage growth in certain areas.  Given the changing Australian economy (more knowledge-based), are there particular areas of Australia in which you expect to see wage growth occurring?

If you would like to access The Property Couch’s media kit, please email us here: [email protected].

Resources mentioned in this podcast:

• When should you Conduct A Building and Pest Inspection?
• What is Rentvesting and Is It For You?

If you like this Q&A episode, don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/.


LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

The debate on negative gearing and how it impacts the Australian Property Market is ongoing but when the RBA suggested that negative gearing might be up for a review last week, the debate got hotter. This is further fueled by the controversy about property bubble in Sydney and how property investors play a role in it. So this week on The Property Couch, Bryce Holdaway and Ben Kingsley decide to tackle this debate head-on and discuss the history of negative gearing, why some people are against negative gearing and how will it impact our economy if it’s scrapped off. Start listening to this podcast to learn more.

Also, The Property Couch is hoping to get nominated for the Investor’s Choice Award 2015 for the category: Property Educator/Mentor. We would like to spread the word on the podcast so that we can help more people avoid making bad investment choices and avoid buying the wrong asset. So if you think we are doing a good job, please do nominate us here.

Our details for nomination:

Name of the Organisation: The Property Couch
Name of the Person you deal with: Bryce Holdaway and Ben Kingsley
Suburb: North Melbourne
State: VIC
Phone number: 03 9326 8900
Email address: [email protected]

If you would like to access The Property Couch’s media kit, please email us here: [email protected].

Resources mentioned in this podcast:

• Negative Gearing vs. Positive Gearing – Which is Better?
• Victoria shoulder the biggest tax burden in the Nation (Article on The Age)

If you like this podcast: “The Negative Gearing Debate in Australia”, don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/.

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

There are many factors at play when looking for an investment property, but did you know there’s actually a science behind selecting assets? 

Yep, that’s right folks! This science is called: The Buyers Decision Quadrant!   

It’s made up of… 

1. Price
2. Location  
3. Land proportion  
4. Quality of Dwelling 

We’ll explain what each one means, and while the concept is quite simple, the real achievement is understanding which part of the quadrant you are willing to compromise on and which is non-negotiable. 

We’re also looking at some great case studies  and comparing 1970s and 1990s apartments, and which one has fared better over time! 

Folks, it is rare for an investment property to tick all the boxes, and most of the time, you will need to journey through the Buyer's Decision Quadrant to make the right decision for you!  

So keep this episode on repeat 'cause we think this one will help with making those hard decisions again and again! 

Also, The Property Couch is hoping to get nominated for the Investor’s Choice Award 2015 for the category: Property Educator/Mentor. We would like to spread the word on the podcast so that we can help more people avoid making bad investment choices and avoid buying the wrong asset. So if you think we are doing a good job, please do nominate us here.

Our details for nomination:

Name of the Organisation: The Property Couch
Name of the Person you deal with: Bryce Holdaway and Ben Kingsley
Suburb: North Melbourne
State: VIC
Phone number: 03 9326 8900
Email address: [email protected]

Free Stuff Mentioned:  

• Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which show you which episodes you need to understand the basics! Or fill in the form below and we’ll email it to you right away.  
• Check out Bryce’s article “Earn $2500 A Week at Retirement” which was featured in Money Magazine.  

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube